本文選題：民間融資 + 投資者權(quán)益�。� 參考：《中國海洋大學》2014年碩士論文

【摘要】：民間融資的形式多樣,中國人民銀行根據(jù)交易主體、融資用途與利率水平的不同,將民間融資分為四種類型,分別是低利率的互助式借貸、利率水平較高的信用借貸、不規(guī)范的中介借貸和變相的企業(yè)內(nèi)部集資。本文所要探討的是民間融資的最主要形式,利率水平較高的信用借貸,也就是在國家法定會融機構(gòu)之外,公民個人投資者與非會融企業(yè)之間,以取得高額利息與取得資金使用權(quán)并支付約定利息為目的而暫時改變資金所有權(quán)的金融活動。因為沒有法律的規(guī)制,投資者在此過程中往往面臨著巨大的風險。本文就從投資者權(quán)益受損的現(xiàn)狀出發(fā),分析我國民間融資在對于投資者權(quán)益的法律保護方面存在的問題,探究對投資者權(quán)益進行法律保護的必要性和可行性并在此基礎(chǔ)上提出相關(guān)的完善建議。全文主要分為四大部分。第一部分,我國民間融資的概述。從內(nèi)涵及成因入手,剖析目前我國民間融資中對投資者權(quán)益缺乏法律保護的現(xiàn)狀。第二部分,對民間融資投資者權(quán)益法律保護缺失的問題進行分析。隨著民間融資發(fā)展越來越強勁的勢頭,導致投資者權(quán)益受損的問題也越來越多,集中體現(xiàn)在民間融資市場準入機制缺失;信息不對稱影響投資者監(jiān)督權(quán)的行使；投資者舉證困難,司法救濟難度大這三個方面。第三部分,對投資者權(quán)益進行保護是必要的,也是可行的。必要性體現(xiàn)在投資者自我保護能力不足,我國目前也缺乏相應(yīng)的投資者權(quán)益保護機構(gòu),而且保護投資者權(quán)益是推動民間融資健康有序發(fā)展的前提和關(guān)鍵；可行性體現(xiàn)在兩個方面,政府機構(gòu)上,可以確立銀監(jiān)會的內(nèi)設(shè)部門非銀行金融機構(gòu)監(jiān)管部作為專門監(jiān)管機構(gòu)；民間組織上,可以參照消費者權(quán)益保護協(xié)會建立一個民間融資投資者權(quán)益保護協(xié)會。第四部分,提出相對應(yīng)的解決對策和建議。包括建立民間融資市場準入機制;建立健全信息披露機制；延伸司法服務(wù)職能,完善司法保護。
[Abstract]:The people's Bank of China divides private financing into four types according to the different levels of transaction subjects, financing uses and interest rates. They are mutual loans with low interest rates and credit loans with higher interest rates. Non-standard intermediary lending and disguised internal financing of enterprises. What this article wants to discuss is the most important form of private financing, credit lending with relatively high interest rates, that is, between individual citizens investors and non-financial enterprises in addition to the national statutory financial institutions. A financial activity that temporarily alters the ownership of funds for the purpose of obtaining high interest and obtaining the right to use funds and paying agreed interest. Because there is no legal regulation, investors often face huge risks in the process. Based on the current situation of the damage to the rights and interests of investors, this paper analyzes the problems existing in the legal protection of the rights and interests of investors in China's private financing. This paper explores the necessity and feasibility of legal protection of investors' rights and interests and puts forward relevant suggestions. The paper is divided into four parts. The first part is an overview of private financing in China. Starting with the connotation and cause of formation, this paper analyzes the current situation of the lack of legal protection of investors' rights and interests in private financing in our country. The second part analyzes the lack of legal protection of private financing investors' rights and interests. As the development of private financing becomes stronger and stronger, there are more and more problems that lead to the loss of investors' rights and interests, which are mainly reflected in the absence of private financing market access mechanism, the information asymmetry affecting the exercise of investors' supervisory power. Investor proof difficulty, judicial remedy difficulty these three aspects. The third part, carries on the protection to the investor rights and interests is necessary, is also feasible. The necessity is reflected in the insufficient ability of self-protection of investors and the lack of corresponding institutions for protecting the rights and interests of investors in our country at present, and the protection of the rights and interests of investors is the prerequisite and key to promote the healthy and orderly development of private financing; The feasibility can be reflected in two aspects: the government agencies, the internal departments of the CBRC, the supervision departments of non-bank financial institutions as the specialized regulatory bodies, and the non-governmental organizations, Can refer to consumer rights and interests protection association to establish a private financing investor rights and interests protection association. The fourth part, proposes the corresponding solution countermeasure and the suggestion. It includes establishing private financing market access mechanism, establishing and perfecting information disclosure mechanism, extending the function of judicial service and perfecting judicial protection.
【學位授予單位】：中國海洋大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：D922.28

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